loanDepot Inc
For the period ended Dec 31, 2023. Filed Mar 15, 2024.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2023 · Filed Mar 15, 2024
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Glossary of Acronyms, Abbreviations, and Terms
The acronyms, abbreviations, and terms listed below are used in various sections of this Form 10-K, including “Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations” and “Item 8. Financial Statements and Supplementary Data.”
| Agencies | GSEs, FHA, FHFA and certain other federal governmental authorities |
|---|---|
| ART | Artemis Management, LLC (direct wholly-owned subsidiary of LD Holdings) |
| CFPB | Consumer Financial Protection Bureau |
| ECOA | Equal Credit Opportunity Act |
| Fannie Mae | Federal National Mortgage Association |
| FASB | Financial Accounting Standards Board |
| FHA | Federal Housing Administration |
| FHFA | Federal Housing Finance Agency |
| FIRREA | Financial Institutions Reform, Recovery, and Enforcement Act of 1989 |
| Freddie Mac | Federal Home Loan Mortgage Corporation |
| GAAP | U.S. Generally Accepted Accounting Principles |
| Ginnie Mae | Government National Mortgage Association |
| GSE | Government Sponsored Enterprises, namely Fannie Mae and Freddie Mac |
| HOEPA | Home Ownership and Equity Protection Act of 1994 |
| HUD | Department of Housing and Urban Development |
| IRLC | interest rate lock commitments |
| LD Holdings | LD Holdings Group LLC |
| LDLLC | loanDepot.com, LLC (direct subsidiary of LD Holdings) |
| LDSS | LD Settlement Services, LLC (direct wholly-owned subsidiary of LD Holdings) |
| LHFS | loans held for sale |
| LTV | loan-to-value |
| MBA | Mortgage Bankers Association |
| MBS | mortgage-backed securities |
| MCS | mello Credit Strategies, LLC (direct wholly-owned subsidiary of LD Holdings) |
| Mello | mello Holdings, LLC (direct wholly-owned subsidiary of LD Holdings) |
| MSR | mortgage servicing rights |
| RESPA | Real Estate Settlement Procedures Act |
| TBA MBS | to be announced mortgage-backed securities |
| TILA | Truth in Lending Act |
| UPB | unpaid principal balance |
| VA | Department of Veterans Affairs |
| VIE | Variable Interest Entity |
Numerical figures included in this Form 10-K have been subject to rounding adjustments. Accordingly, numerical figures shown as totals in various tables may not be arithmetic aggregations of the figures that precede them.
All references to years, unless otherwise noted or indicated by the context, refer to our fiscal years, which end on December 31.
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.